insurance · HDFCLIFE
HDFC Life Insurance
HDFC Life Insurance: PE below historical average. NARROW LEADERSHIP regime.
Price
₹545.4
Price 2026-07-30
5 day
-1.74%
Short-term move
1 month
-5.29%
Medium-term
Regime
NARROW LEADERSHIP
62% confidence
Market cap
₹124.3k Cr
neutral sector flow
Market Intelligence Analyst
Understand today's market in about 2 minutes.
“How does today's NARROW LEADERSHIP regime affect HDFC Life Insurance (HDFCLIFE) in the insurance sector?”
Price chart
₹559
-31.38% over period
About HDFC Life Insurance
HDFC Life Insurance Company Limited engages in the provision of individual and group insurance solutions in India. It offers insurance and investment products, such as protection, pension, savings, investment, annuity, and health, as well as term, investment, life insurance, and NRI plans. The company was formerly known as HDFC Standard Life Insurance Company Limited changed its name to HDFC Life Insurance Company Limited in January 2019. HDFC Life Insurance Company Limited was incorporated in 2000 and is headquartered in Mumbai, India. HDFC Life Insurance Company Limited operates as a subsidiary of HDFC Bank Limited.
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -7.5% over 14 days) — not a reliable pattern.
52-week position
Trading at 66.9% of 52-week high
Technicals
RSI 14
36.5
Trend
downtrend
50 DMA
Below
200 DMA
Below
Key metrics
P/E ratio
64.6
14th pct · 7 quarterly points (limited history)
P/B
7.0
ROE
11.3%
Moderate profitability — 11.3% ROE
Market cap
₹124.3k Cr
Revenue growth
-1770.0% YoY
Promoter
55.6%
52-week range
₹543 – ₹815
66.9% of high
RSI (14)
36.5
downtrend
vs 50 DMA
Below
DMA ₹573.82
Fundamental
75/100
STRONG
Trust
90/100
Verification
Coverage
100/100
HIGH
Quick Take
HDFC Life Insurance scores 75/100 on fundamentals (strong). HDFC Life Insurance: PE below historical average. NARROW LEADERSHIP regime.
Fundamental Score: 75/100 · STRONG · 1 signals detected
DuPont Analysis
ROE 11.7% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 11.72% is moderate leverage-driven and stable. Net margin 1.8%, asset turnover 0.29x, leverage 22.0x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.
What This Means
Net margin of 1.8% means the company keeps ₹1.8 as profit for every ₹100 of revenue. This is a low-margin business. Asset turnover of 0.29x means the company generates ₹0.29 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 22.0x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
1.8%
Financial Health
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| SBILIFE SBI Life Insurance | ₹1,877.5 | +1.3% | 74.3 | 13.7% | -8220% | ₹1.8L Cr |
| ICICIGI ICICI Lombard General Insurance | ₹1,637.9 | +1.2% | 32.5 | 17.9% | 1220% | ₹89.6k Cr |
| MFSL Max Financial Services | ₹1,510.8 | +0.5% | 678.9 | 1.6% | -4020% | ₹55.3k Cr |
| STARHEALTH Star Health Insurance | ₹610.4 | +5.8% | 62.2 | N/A | 1380% | ₹34.7k Cr |
| GODIGIT Go Digit Insurance | ₹254.95 | -9.2% | 53 | 11.7% | 2260% | ₹28.8k Cr |
| HDFCLIFE HDFC Life Insurance | ₹545.4 | -1.0% | 64.6 | 11.3% | -1770% | ₹1.2L Cr |
Tensions to watch
PE in bottom 14% historically — undervaluation or fundamental deterioration?
Low PE can signal value OR declining growth expectations. Check recent earnings and sector outlook.
Bank Metrics
Return on Assets
0.53%
Benchmark: >1%
Efficiency Ratio
98.2%
Lower is better
Asset Growth
+11.8%
Year over year
PB Ratio
7.0x
Price to book
ROA of 0.53% is adequate (benchmark: >1% for banks). P/B of 7.0x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹573 (+5%)
Trend reversal confirmation
Breaks below ₹518 (-5%)
Further downside risk
PE reverts to median of 77.4 (7 quarterly points (limited history))
Valuation normalization
Insurance sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
Significant income from non-operating sources. Core business may be smaller than it appears.
Potential accounting concerns. Cross-check with earnings quality flags.
Strong insider alignment. Promoters have significant skin in the game.
Mean recommendation: 1.3/5 (1=Strong Buy, 5=Strong Sell). Institutional confidence is high.
Company not overvalued on revenue basis.
➡️ 5 flags — 3 positive, 2 warning. Mixed profile.
Data Quality
News Correlation
50 articles scanned for fundamental themes
